any ideas on how to invest 20000 dollars with no risk please?

A CD, Money Market account, or annuity all have ZERO risk. A money market would give you the most liquidity though... Shop around for the best rates, don't settle for the first one you run across.

Risk can be defined many ways. Investors have an intuitive understanding of risk and are willing to take at least some risk in order to get a decent return. If you opt for a "riskless" investment, then you will receive a low return. However, some of these "riskless" investments do not outperform inflation at times, and so there is some risk that your money will lose real value. Anyway ...

There are really only a few ways to invest with virtually no risk of losing money in the short-run:

- Bank CDs of a reputable bank

- Money Market accounts

- Treasury Bills or Treasury bonds, http://www.treasurydirect.gov/

These will all give returns about the same, since they have about the same risk ... which is almost zero.

What do you want to invest the money for, and what kind of time frame are we talking about? If you edit your question with this info, we might be able to help you better. Your time horizon and goal will determine how much risk you should take on.

depending on where you are now. if you are in malaysia, the safest investment would be the government backed investment schemes. we have a few here which cater for different people. of course, the safer investments are the lower the returns are. but they are rock solid investment and you wouldnt even have to worry a single thing about them.

if you are else where, there's this thing called 'mutual trust funds'. almost equally safe as the government backed schemes we have here in malaysia, but they are privately owned. check your yellow pages for their listings and they'll be more than happy to send you an agent. maybe you could also try buying some life insurance coverage. they are the best investments money can get you. a win-win situation. guaranteed to pay you, dead or alive.

suddenly i have the feeling your question is a little bit rhetorical and you know the answers all along. nevertheless, good luck.

There is no no risk way to invest. Even putting money in treasury bills exposes you to the risk of inflation and currency revaluations.

There is a treasury product called TIPS, Treasury Inflation Protected Securities, which are indexed for inflation, but still leave you exposed to currency devaluations (which has been going on for several decades as the dollar slips in comparison to other currencies). At least that is better than a bank account until the government changes its rules, which it has been known to do.

Vanguard Group has a mutual fund for these securities, VIPSX is the security symbol. You can look it up online at https://flagship.vanguard.com/VGApp/hnw/funds/snap...

The only investments that have absolutely NO risk are those that are insured by the Federal Government. These inckude banks where you see "FDIC insured", credit unions where you see "NCUA insured" and all U.S. Treasury bills, notes and bonds. Money market funds issued by mutual fund companies are NOT insured although they do have very little risk.

there's no such thing as investments without risk... in finance, the greater the risk, the greater the return. you can also try to deposit in banks, with the least percentage of risk (i.e when bank goes bankrupt), with the least return as well.

if you want, you can create a portforlio, taking into consideration your desired solution and come up with the optimal combination of portfolio. trust me, it's not good to invest that in one company and seldom do you find an investment without risk

Put all your money in a savings account to begin with, then every month or so put some money in a CD's.

invest in guarenteed things. watch wall street the movie. always invest in guarentees, youll come out ahead of gamblers who invest in fortune cookies.

If you want to earn 225% interest on your money I can show you specifically how. This is a risk free investment because of certain details particular to this individual investment.

Some people will tell you this return is unachievable but they are wrong. I can show you how you can earn $65,080 a year on $20K.

http://treasurydirect.gov/

The ONLY zero risk investment in the world!